 Welcome to a welcome back to Norris Cove. If you're new here. I'm Yoshida. I'm a self-employee hairstylist I'd like to get my life together by planning minimally and functionally using a planner I also like to plan my budget and my finances using a planner if that sounds like something that you are interested in Please stick around hit that subscribe button also hit the notification bell Let him you know that you are new here in the comments so that I can welcome you to the Cove But today you guys we're going to do some debt Day team I Said I would update you guys on My debt pay off and I was going to do it like the end of the month That was the thing kind of picking a date and I have to be honest with y'all. I Was just paying the stuff. Okay. I was just paying it. But as you can see here, we played off-clarna Y'all pretty much this was all of February I think we had a firm in the beginning We paid off the last little bit of firm at the end at the beginning of March, which was last week or this week this week But we owe two hundred and thirty two dollars and cloner and cloner got paid off in the month of February a firm We were overdue by ninety five dollars and thirty four cent Now only did we catch that up plus we paid the two eighty five and then zip got paid in the month of February 237 dollars and fifty two cent it was behind as well and then Amazon I had a minimum payment of a hundred and nineteen dollars and ninety nine cent But I had two payments left so as you can see it was 240 and I paid off of course last month 119 and then Wait a minute. I was behind a little bit Well, maybe it was just one payment But we got it paid off. So now that frees up so much money as you can see those little payments that I was paying 20 30 40 50 dollars here and there Now is free. I believe that I freed up almost 300 dollars just from the quad pays and then well I'll say 200 and then a hundred and twenty dollars from Amazon. So now my next plan of action. Let me Get a pen to points and my highlighter. My next plan of action is to do the snowball effect, but Also, I want to do like the highest interest and Community Bank you guys I owe them. I've given them a payment. I think they should be next but the same time I'm behind in all time. I need to pay all time behind in PayPal My neighbor federal is on time. It's just a very minimum payment right now So I don't know what to do city bank. They basically close my card, but I still gotta pay them Ali but I realize is I should take Ali off because this is my car note and I'm not paying itself on time. So I really got a work on this and my goal is to Pay all these things down, get my credit score back up so that I can eventually refinance Ali and get a cheaper interest rate and a cheaper car note, but I'm gonna leave it here for now So what I want to do Because now I feel like I'm quad free y'all. I've been dying to use it, but they won't let me use it It's fine. I want to I'm trying to pick and choose which one I really want to work on community because now It is the cheaper one. I think I owe like to It's just paid off Paid off community. Yeah, there's two hundred and seventy one dollars and thirty cent left So my mind I was like, okay, let's shoot them fifty dollars a week until we get them paid off Then we have credit one. Actually, I just made a payment to credit one For I think it was thirty dollars And that was today No yesterday The six I got to look at the balance. I don't know what the balance is all too. We got to take care of The firm is paid in full Then I need to work on capital one capital one is over I made this payment on the 15th. So we're over about 182 dollars. I like the capital one card I want to keep this card. So I somehow want to Work with this one. Actually, this is not the correct balance. We just paid this But we're getting things done y'all. We paid, of course, amazon is paying in full. We still owe barclays And that is our debt payment. So let me go to I need to fill in this tracker school here Um, the last outlook y'all I'm just going to keep it 100 one experience for the month of march My credit score was 503 Yeah before Maybe this time last year. I think my credit was in the 600s It's just dropped tremendously You know, so we're just going to put 503 over here My score goal is to get to child at this point I want to be By the end of the year, I got to be realistic I don't think my score is going to jump up. No 200 points, but I want to get kind of back to where I was So I'm just going to put 681 My debt total let's fill that in We were at at the beginning Let's go back We were oh, I didn't fill that in Look at this one. I did the total It was 44,000 something like that. So let's do 44 two three So, yeah, I'm only looking at experience right now I'm actually on the experience website. So I'm gonna leave that Let's see. I thought I filled in one of these right here, but let's do one of these debt payoffs I don't do the jars. I just leave it simple and We have zip And what do we owe zip? We owed zip 237 $237 So we're just going to go through And highlight all of these Okay, next up we have carna. Let's do carna And how much was carna? Was 232.66 Just to color up Here we go 232.66 Okay, so that's car Next up we had a firm Let's do a firm a firm was 285 Okay, then we had amazon And I'm gonna put 240 which it actually started out being like was about 600 But then when we started to do that it was 640 So let's get another cute I'm gonna do the carna Okay, you guys so next I'm going to put over here community Because we made a payment And I think they're going to be my next order of business. Let me flip And see what we owe the community. We started out with community on 303 89 Let's look up here for some updates 303 89 So there's two payments Let me do two 10 percent I'm gonna try this color right here. It's pretty Dates in here. I didn't put the dates in here because it's paid off. It's paid in full So next one I want to work on between community is altar So that way it'll kind of bring my eyes to make a payment Let's see what we owe also. I know we are over And also 511 76 Starting balance 511 76 So I'm going to kind of be paying these two off simultaneously That is it. Let me see if there's anything else in here that yeah, all these are just that payout practice I might need to print a few more But I'm so glad I'm making progress. Yeah, we got to get this up by april. I want this to be at least 520 530 And we're just going up from there There's something I saw I didn't do. I need to fill out the debt snowball. Let's fill that out real quick So now that we've gotten really quiet pays. They don't need they're not really a part of the snowball Um, we're gonna do community And the minimum amount to community I think is 40 And extra payment that we want to give them would be 50 And then the balance One community is 271 30 271 30, but once I do that we'll fill this in okay So each time I do that I can fill it in here avalanche next would be What do we say that? I think community is also avalanche. So yeah, we'll fill that in Later and then let's snap this back in Y'all, I'm so proud of myself for getting those quiet pays off because I really almost said Scrum I'm not paying them Let them take me to court But I'm so glad I just buckled out and paid them Some other things got thrown behind But I knew I could not sleep because they would keep trying to take money out my account And I couldn't even put my regular bills in there. So like this week I could put my regular bill money in my account. It was store my it was just causing me more harm than good Let's say because if I put my regular bill money in that account, they may come and snatch it and that's all I had Was my bill money. So that's one of the reasons I wanted to get them paid off And I'm so thankful that I did like these past couple of days when my regular bills come through I didn't have to switch them to another account. They could sit there I didn't have to worry about somebody coming and snatching the money And getting an extra fee. So I'm so relieved. I need to leave them alone. So Here we are I'm so proud of myself you guys. Let's go back and look at the debt paid off I didn't want too much color here, but I must admit it's so pretty to see these things fully paid off I can't wait for this to get up here Then we'll go on to altar And then I may feel in the rest of these later as we get these two paid off But right now these are going to be my two concerns using the debt snowball Method and the avalanche method together. So these are the two that I'm working on. I'm going to try to send them $50 Maybe before the end of the weekend and then also them Another 50 and I just paid them. So We're going to knock this out. My goal is to have community paid off by april And then half of altar paid off by the end of april may I think we can do it Okay, you guys, thank you all so much for watching again If today was your first time watching any of my videos and you enjoyed today's video Please give me a favor hit that subscribe button Also hit that notification bell come back for more content like this Leave me a message in the comment section letting me know that you're new so that can welcome you to the code And I'll see you guys in my next video